Key Features & Benefits
- ✦3 Reward Points per ₹150 on all eligible spends
- ✦10X Reward Points on partner brand purchases via SmartBuy
- ✦2 domestic lounge visits per quarter (8/year)
- ✦1% fuel surcharge waiver
- ✦Annual fee waiver on ₹1L annual spend
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Welcome & Joining Benefits
- ✦1,000 Reward Points on joining
Milestone Benefits
- ✦₹1L annual spend → fee waived
Pros & Cons
✓ Advantages
- ✓10X on partner brands — great for brand-specific shoppers
- ✓8 domestic lounge visits per year at ₹1,000 fee
- ✓Annual fee very easily waived
✗ Disadvantages
- ✗3.5% forex — not for international
- ✗3X base rate is below average
- ✗Diners acceptance limitations
Frequently Asked Questions
What brands are in the SmartBuy 10X program?▼
SmartBuy 10X includes flights, hotels, instant vouchers for brands like Amazon, Myntra, Ajio, Nykaa, and more. The list changes periodically — check SmartBuy for current partners.
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